A provident fund designed and engineered to provide both income security at retirement and pre-retirement needs of members. The scheme design and engineering take into recognizance a members status, age, lifestyle, income, dependents, and his or her expectation at retirement in calculating the members premium, period of investment, and types of investment vehicle funds are placed into for the ultimate benefit of members.

Scheme features
The accrued benefit is vested for a period of 10 years and after that has no tax obligations.
Accrued benefits can be access after 5 years but with tax obligations.

Payment option
- Bank
- Standing instruction
- Direct debit
- Momo short cord #####

Benefits
- Pre-retirement benefit (withdrawal before age 55)
- Disability benefit lump sum when a member can no longer do meaningful work as a result of sickness or accident.
- Beneficiary claims as a result of a member's death.
- Mortgage benefits using accrued benefit as a lien to acquire permanent residency.
- Group Life policy by our sister company.
- Accrued benefit of the savings account as a lien to guarantee a loan.